CN109993517A - Instant chain type method of payment, computer equipment and storage medium - Google Patents
Instant chain type method of payment, computer equipment and storage medium Download PDFInfo
- Publication number
- CN109993517A CN109993517A CN201810985615.2A CN201810985615A CN109993517A CN 109993517 A CN109993517 A CN 109993517A CN 201810985615 A CN201810985615 A CN 201810985615A CN 109993517 A CN109993517 A CN 109993517A
- Authority
- CN
- China
- Prior art keywords
- payment
- amount
- receipt
- receivables
- payables
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
Abstract
This application involves a kind of instant chain type method of payment, computer equipment and storage mediums.The described method includes: receiving payment request；According to the payment request and the receivables and payables amount of money and receivables and payables attribute prestored corresponding with the subscriber identity information, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；According to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, each node receivables and payables amount of money and receivables and payables attribute in the receipt and payment chain are updated.The payment of each node in receipt and payment chain can be rapidly completed using this method.
Description
Technical field
This application involves internet payment technical fields, set more particularly to a kind of instant chain type method of payment, computer
Standby and storage medium.
Background technique
With the development of economy, the receipt and payment system in terms of the macroscopic view between main market players is increasingly numerous and jumbled, and receipt and payment relationship is
Form complicated network.On the other hand, Market competition, the receipt and payment period is long between each main market players, flow of fund
It is unsmooth, it thus will cause loss of the main market players in opportunity cost, time cost, finance costs, to seriously affect market
The competitiveness and innovation ability of main body.
In the implementation of the present invention, the prior art has the following problems: due to main market players collect money and pay the bill
Amount of money involved is huge in the process, when needing a large amount of currency when receipt and payment by way of currency, or passing through network payment, entirely
Network receipt and payment circulate unsmooth between multiple main market players, send out so as to cause currency super generating mobility, high lever, inflation etc. are economical
Exhibition problem.
Summary of the invention
Based on this, it is necessary to which in view of the above technical problems, providing a kind of can be realized rapid payment between multiple users
Instant chain type method of payment, computer equipment and storage medium.
A kind of loop chain shares the instant chain type method of payment of receipt and payment platform, which comprises
Receive payment request；It wherein, include subscriber identity information in the payment request；
According to the payment request and the receivables and payables amount of money prestored corresponding with the subscriber identity information and receivable answer
Attribute is paid, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；Wherein, the receipt and payment chain
Including multiple nodes；
Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；
According to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, updates each node in the receipt and payment chain and answer
Receive amount payable and receivables and payables attribute.
A kind of instant chain type method of payment of terminal, which comprises
Receipt and payment platform, which is shared, to loop chain sends user's registration information；
Receive fund account information corresponding with the user's registration information；
The request of receipt and payment platform Sending Payments is shared to loop chain；It wherein, include subscriber identity information in the payment request；
Receive collection amount, Payment Amount, revenue amount and the whether correct confirmation message of the amount of money of deducting fees；
Receipt and payment platform transmission user, which is shared, to loop chain is selected as the confirmation message for being；
Wherein, the user's registration information includes the receivables and payables amount of money and receivables and payables attribute.
A kind of shared receipt and payment platform of loop chain, comprising:
Payment request receiving module, for receiving payment request；Wherein, believe in the payment request comprising user identity
Breath；
Receipt and payment chain establishes module, for according to the payment request and it is corresponding with the subscriber identity information prestore answer
Amount payable and receivables and payables attribute are received, receipt and payment relevant to the subscriber identity information are grabbed from the receipt and payment figure pre-established
Chain；Wherein, the receipt and payment chain includes multiple nodes；
Bank settlement amount of money computing module, for calculate the collection amount of each node in the receipt and payment chain, Payment Amount,
Revenue amount and the amount of money of deducting fees；
Update module, for updating the receipts according to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees
Pay each node receivables and payables amount of money and receivables and payables attribute in chain.
A kind of terminal, comprising:
Registration information sending module sends user's registration information for sharing receipt and payment platform to loop chain；
Fund account information receiving module, for receiving fund account information corresponding with the user's registration information；
Payment request sending module, for sharing the request of receipt and payment platform Sending Payments to loop chain；Wherein, the payment request
In include subscriber identity information；
Confirmation message receiving module, it is whether correct for receiving collection amount, Payment Amount, revenue amount and the amount of money of deducting fees
Confirmation message；
Confirmation message sending module is selected as the confirmation message for being for sharing receipt and payment platform transmission user to loop chain；
Wherein, the user's registration information includes the receivables and payables amount of money and receivables and payables attribute.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device performs the steps of when executing the computer program
Receive payment request；It wherein, include subscriber identity information in the payment request；
According to the payment request and the receivables and payables amount of money prestored corresponding with the subscriber identity information and receivable answer
Attribute is paid, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；Wherein, the receipt and payment chain
Including multiple nodes；
Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；
According to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, updates each node in the receipt and payment chain and answer
Receive amount payable and receivables and payables attribute.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
It is performed the steps of when row
Receive payment request；It wherein, include subscriber identity information in the payment request；
According to the payment request and the receivables and payables amount of money prestored corresponding with the subscriber identity information and receivable answer
Attribute is paid, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；Wherein, the receipt and payment chain
Including multiple nodes；
Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；
According to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, updates each node in the receipt and payment chain and answer
Receive amount payable and receivables and payables attribute.
Above-mentioned instant chain type method of payment, computer equipment and storage medium, are asked by one of user's Sending Payments
It asks, can start and the user has payment between the user of direct or indirect relationship, not need to pre-establish Payment Plan, energy
The payment between multiple users is enough rapidly completed, improves payment efficiency.
Detailed description of the invention
Fig. 1 is the applied environment figure of instant chain type method of payment in one embodiment；
Fig. 2 is the flow diagram for the instant chain type method of payment that loop chain shares receipt and payment platform in one embodiment；
Fig. 3 is the flow diagram for grabbing receipt and payment chain method in one embodiment according to first-in-chain(FIC) user information；
Fig. 4 is the flow diagram for grabbing receipt and payment chain method in one embodiment according to user information in chain；
Fig. 5 is the flow diagram for grabbing receipt and payment chain method in one embodiment according to last-of-chain user information；
Fig. 6 is the flow diagram of instant chain type method of payment in one embodiment；
Fig. 7 is the structural block diagram that loop chain shares receipt and payment platform in one embodiment；
Fig. 8 is the structural block diagram of terminal in one embodiment；
Fig. 9 is the structural block diagram of banking system in one embodiment；
Figure 10 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Instant chain type method of payment provided by the present application, can be applied in application environment as shown in Figure 1.Wherein, eventually
End 12 is communicated with server 14 by network by network.Terminal 12 is requested to 14 Sending Payments of server, server 14
Receive payment request, and according to the payment request and the receivables and payables amount of money prestored corresponding with the subscriber identity information and
Receivables and payables attribute grabs receipt and payment chain relevant to the subscriber identity information from the receipt and payment figure pre-established；Described in calculating
The collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in receipt and payment chain；According to the collection amount, pay
The money amount of money, revenue amount and the amount of money of deducting fees update each node receivables and payables amount of money and receivables and payables attribute in the receipt and payment chain.?
In one embodiment, the node receivables and payables amount of money each after update and receivables and payables attribute are also respectively sent to by server 14
Terminal 12 corresponding with node, terminal 12 show the updated receivables and payables amount of money and receivables and payables attribute.Wherein, terminal
12 can be, but not limited to be various personal computers, laptop, smart phone, tablet computer and portable wearable set
Standby, server 14 can be realized with the server cluster of the either multiple server compositions of independent server.
In one embodiment, as shown in Fig. 2, providing a kind of instant chain type payer of shared receipt and payment platform of loop chain
Method is applied to be illustrated for the server in Fig. 1 in this way, comprising the following steps:
S210 receives payment request.It wherein, include subscriber identity information in the payment request.
Wherein, payment request is sent to the shared receipt and payment platform of loop chain by terminal, and it is specifically place that loop chain, which shares receipt and payment platform,
Manage the server of instant chain type payment.Such as, party A-subscriber needs to pay the bill to party B-subscriber, then shares receipt and payment platform to loop chain by A terminal
Sending Payments request, loop chain share receipt and payment platform according to the payment between payment request processing party A-subscriber and party B-subscriber.
S220 according to the payment request and the receivables and payables amount of money prestored corresponding with the subscriber identity information and is answered
Receipts deal with attribute, and receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established.Wherein, the receipts
Paying chain includes multiple nodes.
Wherein, the subscriber identity information can be string number, letter, symbol or its combination, concretely identity
Number is demonstrate,proved, subscriber identity information is in user's registration just it has been determined that loop chain shares receipt and payment platform according to subscriber identity information pair
User verifies, and searches the receivables and payables amount of money and receivables and payables attribute prestored corresponding with subscriber identity information.
Wherein, the receipt and payment figure pre-established, which is contained, shares the receivables and payables of all users of receipt and payment platform registration in loop chain
The amount of money and receivables and payables attribute only grab receipt and payment chain related with the user in the request of user's Sending Payments.Wherein, it receives
Paying chain is the relation chain that the user requested with Sending Payments has the user of direct or indirect bank settlement relationship to be formed by connecting.
The receivables and payables amount of money includes: amount receivable, amount payable, amount receivable phase in one of the embodiments,
Limit, the amount payable time limit, it is receivable classification and deal with classification at least one of；Wherein, it is described it is receivable classification include receivable priority,
Amount receivable size, receivable time limit length, receivable risk height, the corresponding side's of dealing with credit height, gathering direction and answer debit
One of regulatory requirement is a variety of, and dealing with classification includes dealing with priority, amount payable size, dealing with time limit length, deal with
Risk height, it is corresponding answer it is one or more in debit credit height, payment direction and the side's of dealing with regulatory requirement.
In the present embodiment, receivable priority is referred to the corresponding multiple side's of dealing with setting priority, amount receivable size
It can refer to that receivable risk height refers to this how long interior completion is collected money according to the amount of money size of gathering, receivable time limit
Pen gathering becomes the risk of bad credit, and receivable side's regulatory requirement refers to the conditions of demand of intra-company's operation, deals with priority and refer to
Be to it is corresponding it is multiple answer debit be arranged priority, deal with the time limit refer to how long in complete payment, deal with wind
Danger just refers to that this side money pays the risk not come out, and the side's of dealing with regulatory requirement refers to the conditions of demand of intra-company's operation.
The receivables and payables attribute includes: to answer debit's title, the side's of dealing with title, Yong Huguan in one of the embodiments,
At least one of connection side's relationship, user property and user's classification.Wherein, user-association side's relationship refers in close relations and without receipt and payment
The both sides of relationship, an external side have receivable, another party to deal with, and such as the relationship between subsidiary, group, user property includes using
The operation property at family, the classification of user, the scale of operation, geographic classification, trade classification, index classification, such as managing property includes
Private, holding, state-owned enterprise and public institution, the classification of user include joint stock company, Limited Liability formula and partnership company, warp
The scale of battalion can classify by the profit volume of the staff number of company, the registered capital of company or company, and geographic classification includes
North China, South China and Central China, trade classification include chemical industry, biological medicine industry and electronics industry, index
Similar to the points of stock, the classification of index can classify according to the size of index.
S230 calculates the collection amount of each node, Payment Amount, revenue amount and gold of deducting fees in the receipt and payment chain
Volume.
Wherein, one user of each node on behalf, and each node saves the corresponding receivables and payables amount of money of the user
With receivables and payables attribute.
S240 updates each in the receipt and payment chain according to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees
The node receivables and payables amount of money and receivables and payables attribute.
In one of the embodiments, before the reception payment request further include: receive user's registration information；It obtains
The receivables and payables amount of money and receivables and payables attribute are stored in the user's registration information.
Wherein, the user's registration information further include: at least one in user name, user contact details and user contact address
Kind.
In one of the embodiments, it is described receive user payment request before include: obtain payment earning rate and
Receipt and payment scale of charges；According to the receivables and payables amount of money of the payment earning rate and receipt and payment scale of charges and multiple users and receivable answer
Attribute is paid, the receipt and payment figure is established and stores.
Wherein, payment earning rate can be identical or not identical in each node with receipt and payment scale of charges, and each node is same
When be corresponding with the receivables and payables amount of money and receivables and payables attribute, after establishing the receipt and payment figure, in receipt and payment figure each node include pay
Money earning rate, receipt and payment scale of charges, the receivables and payables amount of money and receivables and payables attribute.
In one embodiment, described to establish the receipt and payment figure and store, comprising: to obtain multiple nodes, wherein Mei Gejie
Point indicates a user；Establish the receipt and payment relationship between the multiple node interior joint and node, wherein the receipt and payment relationship is logical
The oriented line mark between the node and node is crossed, the oriented line is directed toward from the side of dealing with and answers debit；It establishes described more
User-association side's relationship between a node interior joint and node, wherein user-association side's relationship by the node with
Undirected line mark between node；Wherein, the both ends of the undirected line indicate two users with relation of the relevant parts；It obtains
The attribute of the receipt and payment relationship is taken, the attribute includes dealing with direction to answer the collection amount of debit and paying for the receivable direction side of dealing with
The money amount of money；Obtain payment earning rate, receipt and payment scale of charges, the receivables and payables amount of money and the receivables and payables attribute of the node.Wherein, it uses
Family relation of the relevant parts includes the relationship etc. of associate organization's relationship or parent company and branch company.When establishing the receipt and payment figure, two
The relation of the relevant parts of node can indicate that two nodes with relation of the relevant parts can be equal relative to other nodes with equal sign
In the same node, the receipt and payment relationship of the two and other nodes is equivalent to the receipt and payment relationship of the same node Yu other nodes, because
This, when grabbing receipt and payment chain, two nodes with relation of the relevant parts are able to extend the length of receipt and payment chain；Two of relation of the relevant parts
Receipt and payment relationship between node changes according to the funds flow of receipt and payment chain, for example, A node is collected money, B node needs to pay the bill, A
There is relation of the relevant parts between node and B node, then the gathering of acquisition is transferred to B node according to the payment of B node by A node,
Such as, A node obtains gathering 50,000, and B node needs to pay the bill 30,000, then A node is transferred to B node in gathering 30,000, for another example, A node
Gathering 50,000 is obtained, B node needs to pay the bill 50,000, then A node, which will collect money, 50,000 is transferred to B node, and for another example, A node obtains gathering 5
Ten thousand, B node needs to pay the bill 80,000, then A node, which will collect money, 50,000 is transferred to B node.
Above-mentioned loop chain shares the instant chain type method of payment of receipt and payment platform, is requested by one of user's Sending Payments,
It can start and the user has the payment between the user of direct or indirect relationship, not need to pre-establish Payment Plan, it can
The payment between multiple users is rapidly completed, improves bank settlement efficiency.
In one embodiment, as shown in figure 3, it is described according to the payment request and corresponding with the subscriber identity information
The receivables and payables amount of money prestored and receivables and payables attribute, from the receipt and payment figure pre-established crawl with the subscriber identity information
Relevant receipt and payment chain includes:
S310 pays the bill according in the corresponding receivables and payables amount of money and receivables and payables attribute prestored of the subscriber identity information
Information establishes chain first node.
Wherein, payment information includes amount payable, amount payable time limit, deals with classification and payment target.Judge whether it is
The foundation of chain first node is, comprising payment information in the corresponding receivables and payables amount of money and receivables and payables attribute prestored of the node.
S320 searches next node and establishes connection according to the corresponding payment information of the chain first node.
Wherein, payment information includes payment target, is easy to find next node according to payment target.
S330 judges next node with the presence or absence of payment information.
Wherein, next node also includes the corresponding receivables and payables amount of money and receivables and payables attribute prestored, and is obtained accordingly
Payment information.
S340, payment information searches lower lower node and the company of foundation then according to the payment information of next node again if it exists
It connects, returns to step S330.
Wherein, the lower lower node refers to the next node of the next node.
S350, payment information if it does not exist, using the next node as joint of the chain tail.
In the present embodiment, a receipt and payment chain is made of chain first node, chain interior joint and joint of the chain tail, and chain first node is payment
Start node, the request of chain first node Sending Payments, chain interior joint receives the payment of a upper node, and to next node payment,
Joint of the chain tail receives payment.
In one embodiment, as shown in figure 4, it is described according to the payment request and corresponding with the subscriber identity information
The receivables and payables amount of money prestored and receivables and payables attribute, from the receipt and payment figure pre-established crawl with the subscriber identity information
Relevant receipt and payment chain includes:
S410 pays the bill according in the corresponding receivables and payables amount of money and receivables and payables attribute prestored of the subscriber identity information
Information and Receiving information establish chain interior joint.
Wherein, payment information includes amount payable, amount payable time limit, deals with classification and payment target, Receiving information packet
Include amount receivable, amount receivable time limit, receivable classification and gathering target.The foundation for judging whether it is chain interior joint is the node
It include payment information and Receiving information in the corresponding receivables and payables amount of money and receivables and payables attribute prestored.
S420 searches next node and establishes connection according to the corresponding payment information of the chain interior joint.
Wherein, payment information includes payment target, is easy to find next node according to payment target.
S430 judges next node with the presence or absence of payment information.
Wherein, next node also includes the corresponding receivables and payables amount of money and receivables and payables attribute prestored, and is obtained accordingly
Payment information.
S440, payment information searches lower lower node and the company of foundation then according to the payment information of next node again if it exists
It connects, returns to step S430.
Wherein, the lower lower node refers to the next node of the next node.
S450, payment information if it does not exist, then using the next node as joint of the chain tail.
S420 ' searches a upper node and establishes connection according to the corresponding Receiving information of the chain interior joint.
Wherein, Receiving information includes gathering target, is easy to find a upper node according to gathering target.
S430 ' judges that a upper node whether there is Receiving information.
Wherein, a upper node also includes the corresponding receivables and payables amount of money and receivables and payables attribute prestored, and is obtained accordingly
Receiving information.
S440 ', Receiving information is searched upper node again and is established then according to the Receiving information of a upper node if it exists
Connection, returns to step S430 '.
Wherein, upper node refers to a upper node for a upper node.
S450 ', Receiving information if it does not exist, then using a upper node as chain first node.
In the present embodiment, a receipt and payment chain is made of chain first node, chain interior joint and joint of the chain tail, and chain first node is payment
Start node, the request of chain first node Sending Payments, chain interior joint receives the payment of a upper node, and to next node payment,
Joint of the chain tail receives payment.
In one embodiment, as shown in figure 5, it is described according to the payment request and corresponding with the subscriber identity information
The receivables and payables amount of money prestored and receivables and payables attribute, from the receipt and payment figure pre-established crawl with the subscriber identity information
Relevant receipt and payment chain includes:
S510 collects money according in the corresponding receivables and payables amount of money and receivables and payables attribute prestored of the subscriber identity information
Information establishes joint of the chain tail；
Wherein, Receiving information includes amount receivable, amount receivable time limit, receivable classification and gathering target.Judge whether it is
The foundation of joint of the chain tail is, comprising Receiving information in the corresponding receivables and payables amount of money and receivables and payables attribute prestored of the node.
S520 searches a upper node and establishes connection according to the corresponding Receiving information of the joint of the chain tail.
Wherein, Receiving information includes gathering target, is easy to find a upper node according to gathering target.
S530 judges that a upper node whether there is Receiving information；
Wherein, a upper node also includes the corresponding receivables and payables amount of money and receivables and payables attribute prestored, and is obtained accordingly
Receiving information.
S540, Receiving information searches upper node and the company of foundation then according to the Receiving information of a upper node again if it exists
It connects, returns to step S530.
Wherein, the upper node refers to a upper node for a upper node.
S550, Receiving information if it does not exist, then using a upper node as chain first node.
In the present embodiment, a receipt and payment chain is made of chain first node, chain interior joint and joint of the chain tail, and chain first node is payment
Start node, the request of chain first node Sending Payments, chain interior joint receives the payment of a upper node, and to next node payment,
Joint of the chain tail receives payment.
In one of the embodiments, before the reception payment request further include: according to the registration information, Xiang Yin
Row system server issues request for funds account request；The banking system server is received in response to the request for funds account
Request the fund account information returned；The fund account information is sent to the corresponding terminal of the registration information.Wherein, it provides
Golden account information is equivalent to a bank account, and deposit is able to carry out under the bank account, pays the bill and transfers accounts, of the invention real
It applies and is paid the bill in the instant chain type method of payment of example by the fund account information.
In one of the embodiments, according to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, more
Each node receivables and payables amount of money and receivables and payables attribute include: to send collection amount, payment gold to terminal in the new receipt and payment chain
Volume, revenue amount and the whether correct confirmation message of the amount of money of deducting fees；It receives user and is selected as the confirmation message for being；According to described true
Recognize information, collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, updates each node receivables and payables gold in the receipt and payment chain
Volume and receivables and payables attribute.Middle technical solution through this embodiment confirms collection amount, Payment Amount, income gold by user
Whether volume and the amount of money of deducting fees are correct, to guarantee the correctness of bank settlement.Certainly, if not receiving user's selection within a certain period of time
The confirmation message for being yes can voluntarily be initiated to pay the bill, and with the efficiency of days of grace, or receive user and be selected as no confirmation letter
Breath, then the shared receipt and payment platform of loop chain recalculates collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, and again to end
End sends collection amount, Payment Amount, revenue amount and the whether correct confirmation message of the amount of money of deducting fees.
Based on the above embodiment, in one embodiment, a kind of instant chain type method of payment of terminal, comprising: Xiang Huanlian
Shared receipt and payment platform sends user's registration information；Receive fund account information corresponding with the user's registration information；To loop chain
Shared receipt and payment platform Sending Payments request；It wherein, include subscriber identity information in the payment request；It receives collection amount, pay
The money amount of money, revenue amount and the whether correct confirmation message of the amount of money of deducting fees；Receipt and payment platform transmission user is shared to loop chain to be selected as
The confirmation message for being；Wherein, the user's registration information includes the receivables and payables amount of money and receivables and payables attribute.
Wherein, the user's registration information further include: at least one in user name, user contact details and user contact address
Kind.
It shares before receipt and payment platform transmission user is selected as the confirmation message for being and wraps to loop chain in one of the embodiments,
It includes: receiving user and be selected as the touch information for being；User, which is generated, according to the touch information is selected as the confirmation message for being.
Wherein, when the terminal is touch-screen mobile phone, user to collection amount, Payment Amount, revenue amount and is deducting fees
When the amount of money is confirmed, touch information is generated.Certainly, the present invention is not limited thereto, when the terminal is desktop computer, user
When confirming to collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, generates key and trigger information, the user
The form that the confirmation message that being selected as is generates is diversified.
Based on the above embodiment, in one embodiment, a kind of instant chain type method of payment based on banking system, packet
It includes: receiving request for funds account request；According to the request for funds account request, fund account information is generated；It is shared to loop chain
Receipt and payment platform sends fund account information.
Wherein, fund account information is equivalent to a bank account, be able to carry out under the bank account deposit, payment and
It transfers accounts, is paid the bill in the instant chain type method of payment of the embodiment of the present invention by the fund account information.Fund account packet
Include general account, draft account and dedicated account.General account is able to carry out deposit, pays the bill and transfer accounts；Draft refers to electronics
Bank acceptance or e-business acceptance bill, draft account can only accept a draft in e-bank and remittance is honoured in e-business
It is used when ticket；Dedicated account can only be used in the instant chain type payment of the embodiment of the present invention, and the internal amount of money is carrying out chain type
It cannot be modified when payment.
In one embodiment, as described in Figure 6, a kind of instant chain type method of payment, comprising: terminal shares receipt and payment to loop chain
Platform sends user's registration information；Loop chain shares receipt and payment platform and receives user's registration information, and according to the user's registration information,
The request of request for funds account is sent to banking system；Banking system distributes corresponding account of the exchequer according to request for funds account request
Number information, and the fund account information is sent to loop chain and shares receipt and payment platform；Loop chain shares receipt and payment platform again by the money
Golden account information is sent to terminal；Loop chain shares receipt and payment platform and obtains in the user's registration information receivables and payables amount of money and receivable
Attribute is dealt with to be stored；Obtain the payment earning rate and receipt and payment scale of charges for being stored in platform；It establishes the receipt and payment figure and stores；
Receive the payment request of terminal；Receipt and payment relevant to the subscriber identity information are grabbed from the receipt and payment figure pre-established
Chain；Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；Loop chain is shared
Receipt and payment platform sends collection amount, Payment Amount, revenue amount and the whether correct confirmation message of the amount of money of deducting fees to terminal；Work as end
Termination receives user and is selected as the touch information for being, terminal shares receipt and payment platform transmission user to loop chain and is selected as the confirmation letter for being
Breath；Loop chain shares receipt and payment platform and is selected as the confirmation message for being according to user, updates each node receivables and payables in the receipt and payment chain
The amount of money and receivables and payables attribute.
Wherein, earning rate of paying the bill and receipt and payment scale of charges can be configured as needed.
Each node receivables and payables amount of money and receivables and payables in the receipt and payment chain are updated described in one of the embodiments,
It include: that the shared receipt and payment platform of loop chain sends the node receivables and payables amount of money each after update and receivables and payables attribute respectively after attribute
To terminal corresponding with node；Terminal shows the updated receivables and payables amount of money and receivables and payables attribute.
It should be understood that although each step in the flow chart of Fig. 2-6 is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-6
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successively
It carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternately
It executes.
In one embodiment, as shown in fig. 7, providing a kind of shared receipt and payment platform of loop chain, comprising: payment request receives
Module 101, receipt and payment chain establish module 102, bank settlement amount of money computing module 103 and update module 104, in which:
Payment request receiving module 101, for receiving payment request；It wherein, include user identity in the payment request
Information.
Wherein, payment request is sent to the shared receipt and payment platform of loop chain by terminal, and it is specifically place that loop chain, which shares receipt and payment platform,
Manage the server of instant chain type payment.Such as, party A-subscriber needs to pay the bill to party B-subscriber, then shares receipt and payment platform to loop chain by A terminal
Sending Payments request, loop chain share receipt and payment platform according to the payment between payment request processing party A-subscriber and party B-subscriber.
Receipt and payment chain establishes module 102, for according to the payment request and corresponding with the subscriber identity information prestoring
The receivables and payables amount of money and receivables and payables attribute, from the receipt and payment figure pre-established grab it is relevant to the subscriber identity information
Receipt and payment chain；Wherein, the receipt and payment chain includes multiple nodes.
Wherein, the subscriber identity information can be string number, letter, symbol or its combination, concretely identity
Number is demonstrate,proved, subscriber identity information is in user's registration just it has been determined that loop chain shares receipt and payment platform according to subscriber identity information pair
User verifies, and searches the receivables and payables amount of money and receivables and payables attribute prestored corresponding with subscriber identity information.
Wherein, the receipt and payment figure pre-established, which is contained, shares the receivables and payables of all users of receipt and payment platform registration in loop chain
The amount of money and receivables and payables attribute only grab receipt and payment chain related with the user in the request of user's Sending Payments.Wherein, it receives
Paying chain is the relation chain that the user requested with Sending Payments has the user of direct or indirect bank settlement relationship to be formed by connecting.
The receivables and payables amount of money includes: in one of the embodiments: amount receivable, amount payable, amount receivable phase
Limit, the amount payable time limit, it is receivable classification and deal with classification at least one of；Wherein, it is described it is receivable classification include receivable priority,
Amount receivable size, receivable time limit length, receivable risk height, the corresponding side's of dealing with credit height, gathering direction and answer debit
One of regulatory requirement is a variety of, and dealing with classification includes dealing with priority, amount payable size, dealing with time limit length, deal with
Risk height, it is corresponding answer it is one or more in debit credit height, payment direction and the side's of dealing with regulatory requirement.
In the present embodiment, receivable priority is referred to the corresponding multiple side's of dealing with setting priority, amount receivable size
It can refer to that receivable risk height refers to this how long interior completion is collected money according to the amount of money size of gathering, receivable time limit
Pen gathering becomes the risk of bad credit, and receivable side's regulatory requirement refers to the conditions of demand of intra-company's operation, deals with priority and refer to
Be to it is corresponding it is multiple answer debit be arranged priority, deal with the time limit refer to how long in complete payment, deal with wind
Danger just refers to that this side money pays the risk not come out, and the side's of dealing with regulatory requirement refers to the conditions of demand of intra-company's operation.
The receivables and payables attribute includes: to answer debit's title, the side's of dealing with title, Yong Huguan in one of the embodiments,
At least one of connection side's relationship, user property and user's classification.Wherein, user-association side's relationship refers in close relations and without receipts
The both sides for the relationship of paying, an external side have receivable, another party to deal with, and such as the relationship between subsidiary, group, user property includes
Property packet is such as managed in the operation property of user, the classification of user, the scale of operation, geographic classification, trade classification, index classification
Including private, holding, state-owned enterprise and public institution, the classification of user includes joint stock company, Limited Liability formula and partnership company,
The scale of operation can classify by the profit volume of the staff number of company, the registered capital of company or company, geographic classification packet
Containing North China, South China and Central China, trade classification includes chemical industry, biological medicine industry and electronics industry, is referred to
The classification of several classes of points for being similar to stock, index can classify according to the size of index.
Bank settlement amount of money computing module 103, for calculating the collection amount of each node in the receipt and payment chain, payment gold
Volume, revenue amount and the amount of money of deducting fees.
Wherein, one user of each node on behalf, and each node saves the corresponding receivables and payables amount of money of the user
With receivables and payables attribute.
Update module 104, for according to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, described in update
Each node receivables and payables amount of money and receivables and payables attribute in receipt and payment chain.
A kind of loop chain shares receipt and payment platform in one of the embodiments, further includes:
Registration information receiving module for receiving user's registration information, and obtains receivable in the user's registration information answer
It pays the amount of money and receivables and payables attribute is stored.
Wherein, the user's registration information further include: at least one in user name, user contact details and user contact address
Kind.
A kind of loop chain shares receipt and payment platform in one of the embodiments, further includes:
Receipt and payment figure establishes module, obtains payment earning rate and receipt and payment scale of charges, and according to the payment earning rate and receipt and payment
Scale of charges and the receivables and payables amount of money and receivables and payables attribute of multiple users, establish the receipt and payment figure and store.
Wherein, payment earning rate can be identical or not identical in each node with receipt and payment scale of charges, and each node is same
When be corresponding with the receivables and payables amount of money and receivables and payables attribute, after establishing the receipt and payment figure, in receipt and payment figure each node include pay
Money earning rate, receipt and payment scale of charges, the receivables and payables amount of money and receivables and payables attribute.
In one embodiment, it includes: node acquiring unit that the receipt and payment figure, which establishes module, for obtaining multiple nodes,
Wherein, each node indicates a user；Receipt and payment relationship establishes unit, for establish the multiple node interior joint and node it
Between receipt and payment relationship, wherein the receipt and payment relationship passes through oriented line between the node and node mark, the oriented company
Line is directed toward from the side of dealing with and answers debit；User-association establishes unit, for establishing between the multiple node interior joint and node
User-association, wherein the user-association is identified by undirected line between the node and node；Wherein, institute
The both ends for stating undirected line indicate two users with relevance；Attribute acquiring unit, for obtaining the receipt and payment relationship
Attribute, the attribute include dealing with direction to answer the collection amount of debit and the Payment Amount of the receivable direction side of dealing with；Parameter obtains
Unit, for obtaining payment earning rate, receipt and payment scale of charges, the receivables and payables amount of money and the receivables and payables attribute of the node.Wherein,
Relevance includes the relationship of associate organization's relationship or parent company and branch company.When establishing the receipt and payment figure, the pass of two nodes
Connection side's relationship can indicate that two nodes with relation of the relevant parts can be equal to same relative to other nodes with equal sign
The receipt and payment relationship of node, the two and other nodes is equivalent to the receipt and payment relationship of the same node Yu other nodes, and therefore, crawl is received
When paying chain, two nodes with relation of the relevant parts are able to extend the length of receipt and payment chain；Between two nodes of relation of the relevant parts
Receipt and payment relationship according to the funds flow of receipt and payment chain change, for example, A node is collected money, B node needs to pay the bill, A node and B
There is relation of the relevant parts between node, then the gathering of acquisition is transferred to B node according to the payment of B node by A node, e.g., A node
Gathering 50,000 is obtained, B node needs to pay the bill 30,000, then A node is transferred to B node in gathering 30,000, and for another example, A node is collected money
50000, B node needs to pay the bill 50,000, then A node, which will collect money, 50,000 is transferred to B node, and for another example, A node obtains gathering 50,000, B node
Need to pay the bill 80,000, then A node, which will collect money, 50,000 is transferred to B node.
About loop chain share receipt and payment platform it is specific limit may refer to share above for loop chain receipt and payment platform i.e.
When chain type method of payment restriction, details are not described herein.The modules that above-mentioned loop chain is shared in receipt and payment platform can whole or portion
Divide and is realized by software, hardware and combinations thereof.Above-mentioned each module can be embedded in the form of hardware or independently of computer equipment
In processor in, can also be stored in a software form in the memory in computer equipment, in order to processor calling hold
The corresponding operation of the above modules of row.
In one embodiment, as shown in figure 8, providing a kind of terminal, comprising: registration information sending module 201, fund
Account information receiving module 202, payment request sending module 203, confirmation message receiving module 204 and confirmation message sending module
205, in which:
Registration information sending module 201 sends user's registration information for sharing receipt and payment platform to loop chain.
Fund account information receiving module 202, for receiving fund account information corresponding with the user's registration information.
Payment request sending module 203, for sharing the request of receipt and payment platform Sending Payments to loop chain；Wherein, the payment
It include subscriber identity information in request.
Confirmation message receiving module 204, for whether receiving collection amount, Payment Amount, revenue amount and the amount of money of deducting fees
Correct confirmation message.
Confirmation message sending module 205 is selected as the confirmation message for being for sharing receipt and payment platform transmission user to loop chain.
Wherein, the user's registration information includes the receivables and payables amount of money and receivables and payables attribute.
Wherein, the user's registration information further include: at least one in user name, user contact details and user contact address
Kind.
A kind of terminal in one of the embodiments, further includes: touch information receiving module, for receiving user's selection
The touch information for being yes；Confirmation message generation module is selected as the confirmation letter for being for generating user according to the touch information
Breath.
Wherein, when the terminal is touch-screen mobile phone, user to collection amount, Payment Amount, revenue amount and is deducting fees
When the amount of money is confirmed, touch information is generated.Certainly, the present invention is not limited thereto, when the terminal is desktop computer, user
When confirming to collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, generates key and trigger information, the user
Confirmation message generate form be diversified.
In one embodiment, as shown in figure 9, providing a kind of banking system, comprising: account request receiving module 301,
Fund account generation module 302 and fund account sending module 303, in which:
Account request receiving module 301, for receiving request for funds account request.
Fund account generation module 302, for generating fund account information according to the request for funds account request.
Fund account sending module 303 sends fund account information for sharing receipt and payment platform to loop chain.
Wherein, fund account information is equivalent to a bank account, be able to carry out under the bank account deposit, payment and
It transfers accounts, is paid the bill in the instant chain type method of payment of the embodiment of the present invention by the fund account information.Fund account packet
Include general account, draft account and dedicated account.General account is able to carry out deposit, pays the bill and transfer accounts；The electronic silver that draft refers to
Row acceptance bill or e-business acceptance bill, draft account can only accept a draft in e-bank and e-business acceptance bill
When use；Dedicated account can only be used in the instant chain type payment of the embodiment of the present invention, and the internal amount of money is carrying out chain type branch
It cannot be modified when paying.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 10.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing payment earning rate, receipt and payment scale of charges, the receivables and payables amount of money of each user and receivables and payables
Attribute data.The network interface of the computer equipment is used to communicate with external terminal by network connection.The computer program
To realize a kind of instant chain type method of payment when being executed by processor.
It will be understood by those skilled in the art that structure shown in Figure 10, only part relevant to application scheme
The block diagram of structure, does not constitute the restriction for the computer equipment being applied thereon to application scheme, and specific computer is set
Standby may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, is stored in memory
Computer program, the processor perform the steps of when executing computer program
Receive payment request；It wherein, include subscriber identity information in the payment request；
According to the payment request and the receivables and payables amount of money prestored corresponding with the subscriber identity information and receivable answer
Attribute is paid, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；Wherein, the receipt and payment chain
Including multiple nodes；
Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；
According to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, updates each node in the receipt and payment chain and answer
Receive amount payable and receivables and payables attribute.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
Receive payment request；It wherein, include subscriber identity information in the payment request；
According to the payment request and the receivables and payables amount of money prestored corresponding with the subscriber identity information and receivable answer
Attribute is paid, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；Wherein, the receipt and payment chain
Including multiple nodes；
Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；
According to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, updates each node in the receipt and payment chain and answer
Receive amount payable and receivables and payables attribute.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (20)
1. the instant chain type method of payment that a kind of loop chain shares receipt and payment platform, which is characterized in that the described method includes:
Receive payment request；It wherein, include subscriber identity information in the payment request；
According to the payment request and the receivables and payables amount of money and receivables and payables category prestored corresponding with the subscriber identity information
Property, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；Wherein, the receipt and payment chain includes
Multiple nodes；
Calculate the collection amount of each node, Payment Amount, revenue amount and the amount of money of deducting fees in the receipt and payment chain；
According to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, update in the receipt and payment chain that each node is receivable to answer
Pay the amount of money and receivables and payables attribute.
2. the method according to claim 1, wherein before the reception payment request further include:
Receive user's registration information；
The receivables and payables amount of money and receivables and payables attribute in the user's registration information is obtained to be stored.
3. according to the method described in claim 2, it is characterized in that, the user's registration information further include: user name, Yong Hulian
It is at least one of mode and user contact address.
4. the method according to claim 1, wherein the receivables and payables amount of money includes: amount receivable, deals with gold
Volume, the amount receivable time limit, the amount payable time limit, it is receivable classification and deal with classification at least one of；Wherein, the receivable classification packet
Include receivable priority, amount receivable size, receivable time limit length, receivable risk height, the corresponding side's of dealing with credit height, gathering
One of direction and receivable side's regulatory requirement are a variety of, and dealing with classification includes dealing with priority, amount payable size, dealing with the phase
Limit for length is short, deal with risk height, it is corresponding answer it is a kind of or more in debit credit height, payment direction and the side's of dealing with regulatory requirement
Kind.
5. the method according to claim 1, wherein the receivables and payables attribute includes: to answer debit's title, deal with
At least one of square title, user-association side's relationship, user property and user's classification.
6. method described in any one of -5 according to claim 1, which is characterized in that in the payment request for receiving user
Include: before
Obtain payment earning rate and receipt and payment scale of charges；
According to the payment earning rate and receipt and payment scale of charges and the receivables and payables amount of money and receivables and payables attribute of multiple users,
It establishes the receipt and payment figure and stores.
7. according to the method described in claim 6, it is characterized in that, described establish the receipt and payment figure and store, comprising:
Obtain multiple nodes, wherein each node indicates a user；
Establish the receivables and payables relationship between the multiple node interior joint and node, wherein the receivables and payables relationship passes through
Oriented line mark between the node and node, the oriented line are directed toward from the side of dealing with and answer debit；
Establish user-association side's relationship between the multiple node interior joint and node, wherein user-association side's relationship
It is identified by the undirected line between the node and node；Wherein, the both ends of the undirected line indicate that there is affiliated party to close
Two users of system；
The attribute of the receivables and payables relationship is obtained, the attribute includes dealing with direction, answer the collection amount of debit and answering debit
To, the Payment Amount for the side of dealing with, user-association side's relationship；
Obtain payment earning rate, receipt and payment scale of charges, the receivables and payables amount of money and the receivables and payables attribute of the node.
8. the method according to claim 1, wherein it is described according to the payment request and with the user identity
The corresponding receivables and payables amount of money prestored of information, receivables and payables attribute, crawl and the user from the receipt and payment figure pre-established
The relevant receipt and payment chain of identity information includes:
According to payment information in the corresponding receivables and payables amount of money and receivables and payables attribute prestored of the subscriber identity information, establish
Chain first node；
According to the corresponding payment information of the chain first node, searches next node and establish connection；
Judge next node with the presence or absence of payment information；
Payment information if it exists searches lower lower node again and establishes connection then according to the payment information of next node；
Payment information if it does not exist, using the next node as joint of the chain tail.
9. the method according to claim 1, wherein it is described according to the payment request and with the user identity
The corresponding receivables and payables amount of money and receivables and payables attribute prestored of information, crawl and the user from the receipt and payment figure pre-established
The relevant receipt and payment chain of identity information includes:
According to payment information and Receiving information in the corresponding receivables and payables amount of money of the subscriber identity information and receivables and payables attribute,
Establish chain interior joint；
According to the corresponding payment information of the chain interior joint, searches next node and establish connection；
Judge next node with the presence or absence of payment information；
Payment information if it exists searches lower lower node again and establishes connection then according to the payment information of next node；
Payment information if it does not exist, then using the next node as joint of the chain tail；
According to the corresponding Receiving information of the chain interior joint, searches a upper node and establish connection；
Judge that a upper node whether there is Receiving information；
Receiving information if it exists searches upper node again and establishes connection then according to the Receiving information of a upper node；
Receiving information if it does not exist, then using a upper node as chain first node.
10. the method according to claim 1, wherein it is described according to the payment request and with user's body
The corresponding receivables and payables amount of money and receivables and payables attribute prestored of part information, crawl and the use from the receipt and payment figure pre-established
Identity information relevant receipt and payment chain in family includes:
According to Receiving information in the corresponding receivables and payables amount of money and receivables and payables attribute prestored of the subscriber identity information, establish
Joint of the chain tail；
According to the corresponding Receiving information of the joint of the chain tail, searches a upper node and establish connection；
Judge that a upper node whether there is Receiving information；
Receiving information if it exists searches upper node again and establishes connection then according to the Receiving information of a upper node；
Receiving information if it does not exist, then using a upper node as chain first node.
11. the method according to claim 1, wherein before the reception payment request further include:
According to the registration information, request for funds account request is issued to banking system server；
Receive the fund account information that the banking system server is returned in response to the request for funds account request；
The fund account information is sent to the corresponding terminal of the registration information.
12. the method according to claim 1, wherein according to the collection amount, Payment Amount, income gold
Volume and the amount of money of deducting fees, updating each node receivables and payables amount of money and receivables and payables attribute in the receipt and payment chain includes:
Collection amount, Payment Amount, revenue amount and the whether correct confirmation message of the amount of money of deducting fees are sent to terminal；
It receives user and is selected as the confirmation message for being；
According to the confirmation message, collection amount, Payment Amount, revenue amount and the amount of money of deducting fees, update each in the receipt and payment chain
The node receivables and payables amount of money and receivables and payables attribute.
13. a kind of instant chain type method of payment of terminal, which is characterized in that the described method includes:
Receipt and payment platform, which is shared, to loop chain sends user's registration information；
Receive fund account information corresponding with the user's registration information；
The request of receipt and payment platform Sending Payments is shared to loop chain；It wherein, include subscriber identity information in the payment request；
Receive collection amount, Payment Amount, revenue amount and the whether correct confirmation message of the amount of money of deducting fees；
Receipt and payment platform transmission user, which is shared, to loop chain is selected as the confirmation message for being；
Wherein, the user's registration information includes the receivables and payables amount of money and receivables and payables attribute.
14. according to the method for claim 13, which is characterized in that the user's registration information includes: user name, Yong Hulian
It is at least one of mode and user contact address.
15. according to the method for claim 13, which is characterized in that sharing receipt and payment platform to loop chain and send user and be selected as is
Confirmation message before include:
It receives user and is selected as the touch information for being；
User, which is generated, according to the touch information is selected as the confirmation message for being.
16. a kind of loop chain shares receipt and payment platform characterized by comprising
Payment request receiving module, for receiving payment request；It wherein, include subscriber identity information in the payment request；
Receipt and payment chain establishes module, for according to the payment request and it is corresponding with the subscriber identity information prestore receivable answer
The amount of money and receivables and payables attribute are paid, receipt and payment chain relevant to the subscriber identity information is grabbed from the receipt and payment figure pre-established；
Wherein, the receipt and payment chain includes multiple nodes；
Bank settlement amount of money computing module, for calculating the collection amount of each node, Payment Amount, income in the receipt and payment chain
The amount of money and the amount of money of deducting fees；
Update module, for updating the receipt and payment chain according to the collection amount, Payment Amount, revenue amount and the amount of money of deducting fees
In each node receivables and payables amount of money and receivables and payables attribute.
17. loop chain according to claim 16 shares receipt and payment platform, which is characterized in that further include:
Receipt and payment figure establishes module, obtains payment earning rate and receipt and payment scale of charges, and according to the payment earning rate and receipt and payment expense
The receivables and payables amount of money and receivables and payables attribute of rate and multiple users are established the receipt and payment figure and are stored.
18. a kind of terminal characterized by comprising
Registration information sending module sends user's registration information for sharing receipt and payment platform to loop chain；
Fund account information receiving module, for receiving fund account information corresponding with the user's registration information；
Payment request sending module, for sharing the request of receipt and payment platform Sending Payments to loop chain；Wherein, it is wrapped in the payment request
Containing subscriber identity information；
Confirmation message receiving module, it is whether correct really for receiving collection amount, Payment Amount, revenue amount and the amount of money of deducting fees
Recognize information；
Confirmation message sending module is selected as the confirmation message for being for sharing receipt and payment platform transmission user to loop chain；
Wherein, the user's registration information includes the receivables and payables amount of money and receivables and payables attribute.
19. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 12 the method when executing the computer program.
20. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 12 is realized when being executed by processor.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711478899.8A CN108197939A (en) | 2017-12-29 | 2017-12-29 | For the instant chain type method of payment and system of receivables and payables |
| CN2017114788998 | 2017-12-29 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109993517A true CN109993517A (en) | 2019-07-09 |
Family
ID=62586570
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711478899.8A Pending CN108197939A (en) | 2017-12-29 | 2017-12-29 | For the instant chain type method of payment and system of receivables and payables |
| CN201810985615.2A Pending CN109993517A (en) | 2017-12-29 | 2018-08-28 | Instant chain type method of payment, computer equipment and storage medium |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711478899.8A Pending CN108197939A (en) | 2017-12-29 | 2017-12-29 | For the instant chain type method of payment and system of receivables and payables |
Country Status (1)
| Country | Link |
|---|---|
| CN (2) | CN108197939A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110728502A (en) * | 2019-09-27 | 2020-01-24 | 益萃网络科技（中国）有限公司 | Method and device for processing data in document, computer equipment and storage medium |
| CN111681053A (en) * | 2020-06-09 | 2020-09-18 | 青岛有容信息科技有限公司 | Receiving and paying chain construction method and device, computer equipment and readable storage medium |
| CN111680994A (en) * | 2020-06-08 | 2020-09-18 | 青岛有容信息科技有限公司 | Fund assigning code tracking method and device, computer equipment and readable storage medium |
| CN111680995A (en) * | 2020-06-09 | 2020-09-18 | 青岛有容信息科技有限公司 | Payment chain construction method and device, computer equipment and readable storage medium |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109035005A (en) * | 2018-07-17 | 2018-12-18 | 南京农纷期电子商务有限公司 | A method of the chain type conditional filtering for loan application business matches fund side |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102169613A (en) * | 2010-12-03 | 2011-08-31 | 北京握奇数据系统有限公司 | Method and apparatus for dealing with remote business of electronic purse |
| CN102509213A (en) * | 2011-11-16 | 2012-06-20 | 上海翰鑫信息科技有限公司 | System and method for remote payment and trade, mobile terminal and subscriber identity module (SIM) card |
| CN104166910A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photonic payment method and photonic payment system based on photonic wallet |
| CN107169868A (en) * | 2017-05-12 | 2017-09-15 | 青岛债债通网络科技有限公司 | A kind of currency lever method of payment and system for credit and debt |
-
2017
- 2017-12-29 CN CN201711478899.8A patent/CN108197939A/en active Pending
-
2018
- 2018-08-28 CN CN201810985615.2A patent/CN109993517A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102169613A (en) * | 2010-12-03 | 2011-08-31 | 北京握奇数据系统有限公司 | Method and apparatus for dealing with remote business of electronic purse |
| CN102509213A (en) * | 2011-11-16 | 2012-06-20 | 上海翰鑫信息科技有限公司 | System and method for remote payment and trade, mobile terminal and subscriber identity module (SIM) card |
| CN104166910A (en) * | 2014-04-30 | 2014-11-26 | 深圳光启创新技术有限公司 | Photonic payment method and photonic payment system based on photonic wallet |
| CN107169868A (en) * | 2017-05-12 | 2017-09-15 | 青岛债债通网络科技有限公司 | A kind of currency lever method of payment and system for credit and debt |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110728502A (en) * | 2019-09-27 | 2020-01-24 | 益萃网络科技（中国）有限公司 | Method and device for processing data in document, computer equipment and storage medium |
| CN111680994A (en) * | 2020-06-08 | 2020-09-18 | 青岛有容信息科技有限公司 | Fund assigning code tracking method and device, computer equipment and readable storage medium |
| CN111680994B (en) * | 2020-06-08 | 2023-09-19 | 青岛有容信息科技有限公司 | Fund coding tracking method and device, computer equipment and readable storage medium |
| CN111681053A (en) * | 2020-06-09 | 2020-09-18 | 青岛有容信息科技有限公司 | Receiving and paying chain construction method and device, computer equipment and readable storage medium |
| CN111680995A (en) * | 2020-06-09 | 2020-09-18 | 青岛有容信息科技有限公司 | Payment chain construction method and device, computer equipment and readable storage medium |
| CN111680995B (en) * | 2020-06-09 | 2023-09-19 | 青岛有容信息科技有限公司 | Payment chain construction method and device, computer equipment and readable storage medium |
| CN111681053B (en) * | 2020-06-09 | 2023-09-22 | 青岛有容信息科技有限公司 | Pay-and-pay chain construction method and device, computer equipment and readable storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN108197939A (en) | 2018-06-22 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11120413B2 (en) | Monetary transaction system | |
| CN109993517A (en) | Instant chain type method of payment, computer equipment and storage medium | |
| RU2732506C1 (en) | Asset transferring method and equipment and electronic device | |
| KR101524957B1 (en) | Systems and methods for the payment of customer bills utilizing payment platform of biller | |
| US20170221053A1 (en) | Digital asset conversion | |
| RU2679532C1 (en) | System of decentralized digital settlement service | |
| CN103729793A (en) | Overseas remittance system and overseas remittance method | |
| US20170337548A1 (en) | Card Processing Methods and Systems | |
| CN110020936A (en) | Assets management method and device, electronic equipment based on block chain | |
| CN108764862A (en) | Payment data processing method and processing device | |
| US20200126052A1 (en) | Transfers using credit accounts | |
| CN108921680A (en) | Financial data accreditation method, apparatus, computer equipment and storage medium | |
| US20220383300A1 (en) | Payment transaction processing system, and payment transaction processing method and apparatus | |
| CN109191097A (en) | The specified chain type method of payment for flowing through flow direction and loop chain share receipt and payment platform | |
| KR102297975B1 (en) | Apparatus and Method for mediating Online deal based on Smart Contract | |
| CN111681053B (en) | Pay-and-pay chain construction method and device, computer equipment and readable storage medium | |
| CN111680995B (en) | Payment chain construction method and device, computer equipment and readable storage medium | |
| KR102244067B1 (en) | International remittance system based on fixed value type crypto currency and method thereof | |
| KR102472450B1 (en) | System for providing settlement instant payment service | |
| JP7209984B1 (en) | Program, Information Processing Apparatus, and Method | |
| KR20200107342A (en) | System and method for issuing fixed value type crypto currency | |
| CN114118987A (en) | Cross-border remittance method and device based on block chain and electronic equipment | |
| KR20140035745A (en) | Method for remitting service using virtual account | |
| KR20160070932A (en) | Method for generating virtual account number and server performing the same | |
| KR20180123323A (en) | System and method for managing of expenditure for congratulations and condolences |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190709 |